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Lead Credit Processor

2 weeks ago

Bengaluru, Karnataka, India beBeeCreditOperations Full time ₹ 1,04,000 - ₹ 1,30,878

Credit Operations Managers are responsible for ensuring process adherence, quality checks in line with credit policy and compliance. They act as a bridge between Credit and Operations teams to ensure seamless loan processing.

Core Responsibilities:

  • End-to-End Credit Operations Oversight with thorough knowledge of credit policy and process.
  • Supervise and manage the login of loan applications, ensuring all documents are in place as per policy guidelines including KYC.
  • Ensuring gating rejections in line with credit policy and close monitoring on login quality.
  • Ensure timely initiation of internal reports and checks as mandated by credit policy.
  • Oversee the CAM (Credit Appraisal Memo) preparation ensuring completeness and accuracy before submission to credit approvers, ensuring that key ratios are in lines with credit policy.
  • Conduct final review of loan files before disbursement, ensuring all documents are in place and compliant with internal and regulatory guidelines.
  • Review disbursement dockets and hand them over to the Operations team for final disbursement and payment processing.
  • Ensure adherence to policies and SOPs across all credit-operations processes.
  • Identify and rectify process gaps to enhance efficiency and accuracy.
  • Manage and resolve queries from the Hind-Sighting Team and Internal Audit, implementing corrective actions as required.
  • Ensure compliance with regulatory requirements and internal controls.
  • Work on Loan Origination System (LOS) and Finnone for loan processing.
  • Familiarity with SFDC (Salesforce) and MS-Excel is an added advantage for tracking and reporting.
  • Support digital initiatives to streamline credit-operations processes and improve efficiency.

Key Performance Indicators (KPIs):

  • First Time Right (FTR) - Ensuring minimal errors in loan files.
  • Turnaround Time (TAT) - Ensuring quick and efficient loan processing.
  • Compliance Adherence - No deviations from policy and regulatory guidelines.
  • Process Efficiency - Identifying and implementing improvements in workflows.
  • Driving penetration of E-NACH for improved operational efficiency
  • Responsible for timely handover of PF/Balance PF Cheques to operations team and tracking clearance of cheques.
  • Prioritize and manage critical projects for implementation of LOS/LMS and other technology enablement for the operating model of the company.